3177 MONTROSE PLACE, PALM HARBOR, FL, 34684
Active270 days on marketListed Nov 10, 2025MLS #TB8446923
About this home
3177 MONTROSE PLACE
Virtually Staged. DOES NOT REQUIRE FLOOD INSURANCE! MAJOR UPDATES: Garage doors & openers (2025), Roof, Pool Pump & Filter (2024), HVAC & Water Heater (2019) Welcome to this beautifully maintained two-story POOL home in the heart of Palm Harbor! Featuring 3 bedrooms, 2.5 baths, and PLUS a large loft, this residence sits on a meticulously landscaped lot and offers a perfect blend of style, comfort, and functionality. Step inside to soaring 30-foot vaulted ceilings and an abundance of natural light that fills the open-concept living and dining areas. The inviting living room is ideal for both relaxing and entertaining, complete with a cozy fireplace and pool views through large windows. The renovated kitchen is a chef’s dream, featuring solid wood, soft-close cabinetry, granite countertops, new appliances, and a spacious island perfect for meal prep or casual dining. A beautifully updated half bath is conveniently located on the main floor. Upstairs, the loft area offers endless flexibility—ideal for a home office, playroom, or easily converted into a fourth bedroom. The primary suite is a true retreat, boasting generous space, bright windows, and a luxurious ensuite with dual vanities, a soaking tub, and a separate walk-in shower. Two additional bedrooms and a full bath complete the upper level. Step outside to your private backyard oasis, featuring a large, screened pool and lanai, perfect for lounging or entertaining. The oversized pool invites endless fun, while the fenced yard offers plenty of room for pets or play. Additional highlights include an oversized two-car garage with laundry area. Located less than a mile from top-rated Palm Harbor schools, this home also offers access to community amenities including a park, tennis courts, and a pool. This Palm Harbor gem truly has it all, modern updates, prime location, and resort-style living. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,332
Sqft
0.2 ac
Lot size
2
Garage
1986
Year built
Two
Levels
$251
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,791 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,791/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+3.1%
$/sqft vs Palm Harbor actives
$251 vs $258
Days on market
270 vs 47 typical
Where $251/sqft sits among the 400 Palm Harbor actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Bentley Park
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Bentley Park — neighborhood snapshot
Population
909
Median age
57
Median income
$111,927
Median home value
$530,398
Avg household
2
Households w/ children
66%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
214 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 134% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3177 MONTROSE PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$635,000
3225 MONTROSE CIRCLE · same community
4 bd · 2.5 ba · 2,332 sqft · $272/sqft · 26 DOM
Sold · Feb ’26$500,000
3253 MONTROSE CIRCLE · same community
4 bd · 2 ba · 2,043 sqft · $245/sqft · 63 DOM
Sold · Apr ’26$608,000
3277 MONTROSE CIRCLE · same community
3 bd · 2.5 ba · 2,682 sqft · $227/sqft · 9 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3177 MONTROSE PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3177 MONTROSE PLACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
3177 MONTROSE PLACE FAQs
What would the monthly payment be for 3177 MONTROSE PLACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,791/mo — principal and interest, the actual property-tax bill, the $34/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3177 MONTROSE PLACE?+
The association fee works out to $34 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3177 MONTROSE PLACE?+
The most recent tax bill on record (2024) was $2,659. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3177 MONTROSE PLACE?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Harbor?+
At $584,900, this home is listed about 54% above the Palm Harbor median of $379,450. The market section on this page shows how the area is trending.
Which schools are assigned to 3177 MONTROSE PLACE?+
Joseph L. Carwise Middle School (middle), Highland Lakes Elementary School (elementary), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$584,900 runs 134% above the PALM HARBOR 34684 median — but at 2,332 sqft it's also 59% larger than the typical Palm Harbor listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
270 days on market against a Palm Harbor median of 47 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Joseph L. Carwise Middle School, Highland Lakes Elementary School, Palm Harbor University High — Joseph L. Carwise Middle School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $639,000, now $584,900 — a $54K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ELITE REALTY · Kim Adams. MLS #TB8446923.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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